Not a good situation if you forgot who your car insurance is with, but the problem can be fixed fairly quickly. The best ways to find out are by looking up your insurance card, checking your credit card statements, or contacting your state’s Department of Motor Vehicles (DMV).
If you’re also thinking of changing your auto insurance company, it’s worth getting quotes from multiple companies to find the best coverage and prices. We’ve ranked the best auto insurance companies to reveal which ones have great deals and high-quality service.
How do I find out who my car insurance is with?
There’s no need to panic if you forgot who your auto insurance is with. below, we’ll outline a few steps that should make it relatively easy to find out which company is currently providing coverage for your vehicle.
look in the glove box
If you’ve forgotten your current auto insurance provider, your first step is to look for an insurance card in the glove compartment of your vehicle. most people keep their insurance information there, so it’s an obvious place to start your search.
If you’re not sure which company provides your auto insurance policy, check all the documents and cards that are stored in the glove box. however, check the expiration dates on any documents you find, as the old policies may no longer apply.
check your car insurance payments
Check your recent car insurance payments if you can’t find your card or any information about your insurance provider. If you have automatic payments set up for your credit card or bank account, there should be a record of your recent transactions. With the way banks are set up digitally today, you’ll likely be able to access multiple years’ worth of statements.
If you see regular payments going to an auto insurance company, call them to check the status of your coverage. After some verification, the insurer should be able to tell you the details of your auto policy. If you can’t find auto insurance payments, you may need to consider whether you currently have a gap in coverage.
Remember that you may have combined an auto policy with home or life insurance. It’s worth checking with those insurance providers to see if you have auto coverage through them as well.
check with your lender, if applicable
If you got the vehicle through a lender, chances are your auto insurance information is already on file. the next step in that case is to call your lender to inquire about the details of your policy.
contact the dmv
another option you can choose if you forget who your auto insurance is with is to contact your state dmv. The government should have a record of who provides your policy, but be aware that there could be hefty fines if the dmv finds out your car is uninsured.
do I need to buy auto insurance?
While it’s not impossible to forget about your auto insurance provider, you could face some real problems if you don’t have coverage at all. Here are some reasons why you should buy auto insurance in every circumstance:
it is illegal to drive without insurance
In almost every state, you are required by law to have at least minimum coverage auto insurance. Those caught driving without car insurance could face serious legal consequences. These penalties can include getting a misdemeanor conviction on your driving record, receiving a hefty fine, or even having your vehicle impounded.
protect your finances
Car insurance protects you financially in the event of an accident. If you cause an accident and don’t have insurance, you could be sued for damages you can’t pay. These potential expenses could include damage to other people’s vehicles, other property, and medical bills.
Even cheap car insurance costs more than driving without insurance, but that changes completely once you get pulled over or end up in an accident. It’s not worth the risk, so don’t drive unless you have at least minimal coverage.
you will get peace of mind
Knowing you have auto insurance coverage will probably give you some peace of mind. There’s far less reason to worry, since damages will be covered in the event of a crash and you don’t need to consider the penalties for being an uninsured motorist.
why should i find out who my car insurance provider is?
There are a multitude of reasons why it is important to know which company offers insurance coverage for your car. Here are some of the most critical:
to avoid a lapse in coverage
It is common for motorists to forget who their car insurance is with and other details, such as the types of coverage chosen. Drivers can also easily forget when their current insurance plan expires, leaving them at risk of being left without insurance after their policy is cancelled.
Even if you paid your policy in full or signed up to have your policy automatically renew, it’s important to know which carrier covers your car. that way, they can update information or expand coverage when that time comes. Otherwise, you could end up with a bad driving record even if you’ve never committed any traffic violations while on the road.
in case you get stopped
One of the most common times you’ll need to provide your insurance information is when you’re pulled over by the police. In most states, you should always have your driver’s license and insurance card with you when behind the wheel. you’ll be fined if you don’t have your insurance card with you, and you could face severe penalties if you go completely without coverage.
when you need to make a claim
If you’re ever involved in an accident and need to file a claim, it’s critical that you know the name of your auto insurance company. The first step in filing a claim is to notify your insurance provider so they can start the claims process. Not having this information could delay the filing of your insurance claim and could cause additional stress during an already difficult time.
when applying for a car loan
Your lender will likely ask for your auto insurance information if you’re ever in the market for an auto loan. they’ll need to know you have coverage to make sure your vehicle is protected if you’re involved in an accident.
how to keep track of car insurance details
It is essential that you keep track of your current policy, its coverage limits and its expiration date. Here are some tips that make it hard to forget who your car insurance is with:
keep your insurance card in your car
Most states require drivers to have their insurance cards with them at all times while driving. keep it in your glove box or another accessible place in your car. that way you can quickly get your insurance information if you ever get pulled over or need to file a claim.
It’s not enough to have an insurance card that shares the vehicle identification number (VIN) on your car. you must have one showing that your car has auto insurance coverage at this time. In other words, your insurance card can’t have expired to show legitimate proof of insurance on that car.
keep a digital copy of your insurance card in your phone
Currently, there’s little reason not to have a digital copy of your auto insurance card on your phone. most insurers offer applications that allow you to access your card in any situation. If you can’t find your card, just open the app and get the information you need in seconds.
Please note that not all states accept electronic proof of insurance. Make sure you have a physical copy on hand in case you’re in a state like New Mexico where digital copies won’t suffice.
put your auto insurer’s contact info on your phone
If you ever need to make a claim or have other insurance-related questions, it’s best to have up-to-date contact information for your auto insurance agency. That way, you can quickly connect with an insurance agent and get the answers you need.
providing your insurance information to a family member
Drivers who have difficulty keeping track of their insurance documents can ask a family member to write down the details of their coverage plan. While a new auto insurance policy would still be your responsibility, a phone call to a family member could provide a second line of defense.
our recommendations for auto insurance
Even if you forgot who your auto insurance is with, it’s much better than having no coverage at all. It is essential that you obtain an automobile coverage policy to comply with state laws and keep yourself financially protected in the event of an automobile accident.
we recommend geico, usaa and progressive as the best options for auto insurance. however, be sure to get multiple auto insurance quotes to ensure you find your ideal provider.
geico: best discounts
geico is one of the best known insurance companies in the us. uu. is known for having low fees, relatively consistent customer service standards, and extensive coverage. Geico policyholders can take advantage of discounts such as having new vehicles, being a good driver, and taking defensive driving courses.
usaa: best military supplier
usaa is a great option for military families because it offers some of the lowest rates in the industry along with an impressive level of customer service. Please note that coverage is only available to military members, veterans, and their families.
progressive: best for high risk drivers
High-risk drivers turn to progressive for its wide variety of coverages that can be tailored to fit almost any driver’s needs. The company has been known to readily accept those with speeding tickets, at-fault accidents, and DUIs on their driving records. that’s a rare occurrence among major providers, as we mentioned in our full progressive insurance review.
the detroit office collects data from all the major auto insurance providers to formulate rankings of the best insurers. Our in-depth rating system takes into account market share, coverage, auto insurance rate estimates generated by Quadrant Information Services, customer satisfaction, and ratings from industry experts. each insurer receives a weighted score across four categories, as well as an overall score of 10.0.
We recommend auto insurance companies based on these ratings, but we also encourage you to do your own research and compare quotes to find the best coverage.